Product Manager - Digital Lending

Job description

Product Manager Digital Lending MUTHOOT FINANCE | SECURED & GOLD LOANS VERTICAL Location: Corporate Office, Bangalore (Bengaluru) Work Model: 100% Work from Office (No WFH) Employment Type: Full-Time | Permanent Work Schedule: All Saturdays Working (Except 2nd & 3rd Saturday) Mandatory Role Requirement: Candidates must have 12 to 18 months of hands-on execution and scale-up experience specifically in building Digital DIY, Call Center, and Assisted Sales journeys for Gold Loans or Property/Secured Loans from scratch. Candidates with generic or traditional product management background need NOT apply. ABOUT THE COMPANY & ROLE Muthoot Finance is undergoing a large-scale digital transformation to expand and scale across its Secured and Unsecured lending verticals. The objective is to build sustainable, scalable business by leveraging the extensive branch network and acquiring new customer segments digitally. This role owns the digital lending roadmap and omnichannel execution for Gold Loans and Secured Loans (Property Loans) targeting both self-employed and salaried borrower segments, with self-employed being the primary driver. KEY RESPONSIBILITIES End-to-End Journey Ownership: Conceptualize, build, launch, and scale best-in-class digital lending journeys across customer DIY channels (Website & Mobile App), Field Sales Mobile Apps, and Call Center systems. Funnel Optimization & Analytics: Actively track full-funnel acquisition, drop-offs, conversion metrics, and operational bottlenecks. Rapidly design and execute data-driven enhancements to improve conversions. Cross-Functional Execution: Work daily with Engineering, Risk, Underwriting, Quality Assurance/Testing, Analytics, and Business Operations to deliver product releases within strict Turnaround Times (TAT). Vendor & Ecosystem Integrations: Partner with third-party fintech vendors, aggregators, verification APIs, and technology platforms to scale lending capabilities. Market & Competition Mapping: Maintain deep domain intelligence on competitive digital lending flows, emerging regulatory updates, and fintech innovations across the Indian NBFC landscape. MANDATORY SKILLS & EXPERIENCE Direct Domain Experience: 2-8 months of proven track record in execution and scaling of Gold Loan / Property Loan digital journeys from scratch. Core Banking & Lending Systems: Strong, hands-on functional knowledge of LOS (Loan Origination Systems), LMS (Loan Management Systems), and BRE (Business Rule Engines). Technical Acumen: Practical understanding of digital lending architectures with the ability to read, review, and integrate RESTful APIs. Data & Analytical Rigor: Advanced proficiency in Microsoft Excel / Google Sheets for funnel modeling, cohort tracking, and operational metrics. Execution Bias: Proven ability to think through end-to-end customer, sales, and call center journeys balancing user convenience with backend technical compliance. Technical Background (Preferred): Prior software development or coding experience on Web or Android platforms is an added advantage. EDUCATIONAL QUALIFICATIONS Undergraduate: Bachelor's Degree in Engineering (B.Tech / B.E.) from a reputed institution. Postgraduate: MBA in Marketing and/or Finance from a recognized university or business school. Interested candidates can send their resume over an email - Resumesktk@muthootgroup.com